Ricky Kwok, CFP®, CIM®, PFP® — Richmond, BC Financial Planner & Trusted Wealth Advisor

About Ricky Kwok

Ricky Kwok is a financial planning professional based in Richmond, British Columbia. Holding the designations Certified Financial Planner® (CFP®), Chartered Investment Manager® (CIM®), and Personal Financial Planner® (PFP®), Ricky combines deep technical expertise with a client-centric approach. His mission: to help individuals, families, and small business owners across the Greater Vancouver area achieve financial stability, grow and preserve wealth, and plan with confidence for their legacy.

Professional Journey & Credentials

• With 10+ years in financial services at top institutions (including TD and now CIBC Imperial Service), Ricky has built a practice centered around integrity, transparency, and results.
  
  

• As a CIM®, he is qualified to design and manage sophisticated investment portfolios, focusing on risk control, asset allocation, and achieving strong risk-adjusted returns.
  
  

• His CFP® & PFP® credentials reflect broad fiduciary training, letting clients trust that their plans are designed holistically—covering tax efficiency, insurance, estate, retirement, and legacy considerations.
  
  

Areas of Expertise & Services

Ricky offers a comprehensive suite of services tailored to the unique needs of clients in Richmond and the broader Lower Mainland. His core specializations include:

1. Holistic Financial Planning
   
   

   • Budgeting, cash flow, debt management (including credit lines and investment loans)
     
     

   • Short-, medium-, and long-term goal setting (e.g. purchasing property, funding education, lifestyle retirement)
     
     

2. Investment Strategy & Portfolio Management
   
   

   • Asset allocation across global and domestic equities, fixed income, alternatives
     
     

   • Monitoring risk, volatility, and rebalancing strategies
     
     

   • Tailoring portfolios to client’s risk tolerance, time horizon, and liquidity needs
     
     

3. Estate Planning & Legacy Structuring (with BC Context)
   
   

   • Drafting and updating wills, powers of attorney, representation agreements in BC under WESA (Wills, Estates and Succession Act) to ensure your estate is distributed according to your wishes.
     
     

   • Strategies for minimizing probate delays, reducing taxes, and safeguarding beneficiaries’ inheritance.
     
     

   • Consultation with legal and tax professionals to coordinate trusts, wills, and beneficiary designations.
     
     

4. Retirement Planning & Income Strategy
   
   

   • Designing sustainable retirement income plans, including RRSP, TFSA, pension, and post-retirement withdrawal strategy
     
     

   • Forecasting expenses, inflation, healthcare, and legacy needs
     
     

5. Lending, Mortgage & Credit Solutions
   
   

   • Advice for first-time homebuyers, refinancing, investment property financing
     
     

   • Structuring debt in line with overall financial goals and cash flow
     
     

6. Business Owner & Entrepreneur Advisory (if applicable)
   
   

   • Succession planning, business value transfer, protecting business assets
     
     

   • Ensuring smooth transitions under BC law and aligning business goals with personal financial plans
     
     

• 
  

• Credentialled & Fiduciary-Minded: With CFP®, CIM®, PFP®, Ricky has both the credentials and the ethical foundation to put clients’ best interests first.
  
  

• Personalized & Transparent: Not a “one size fits all” approach—each plan is built from scratch, tailored to life stage, goals, family structure, and risk profile.
  
  

• Bilingual & Culturally Sensitive: Able to serve English and Cantonese speaking clients, making finance more accessible and comfortable for diverse communities.
  
  

Client Focus & Typical Cases

Ricky often works with:

• High net worth individuals looking for portfolio growth plus preservation
  
  

• Retirees or those near retirement needing income strategies
  
  

• Young families planning for home purchase, education, debt freedom
  
  

• Business owners needing to plan succession or blend business + personal finances
  
  

• New Canadians seeking guidance navigating Canadian financial, tax & investment landscape
  
  

Why Work with Ricky

• Clarity: Clear, jargon-free advice and actionable steps
  
  

• Long-term partnership: Regular reviews, adjustment, peace of mind over time
  
  

• Legal & tax sensitivity: Collaboration with legal and tax professionals to ensure strategies are compliant and optimized
  
  

• Commitment: Building trust, protecting your financial well-being now and into the future